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The average cost of home insurance in Cleveland, Ohio, is $818. vHome’s extensive analysis reveals that Cleveland homeowners can take advantage of discounts offered by home insurance companies to reduce their home insurance rates. Below are some of the discounts provided by home insurance companies to Cleveland homeowners.

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Home insurance companies provide discounts to Cleveland homeowners based on the construction materials used to build the house. Cleveland homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Cleveland homes constructed using fire-resistive materials and superior materials get discounts of $90 and $74, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $41, while homes that have a hail resistant roof get a $16 discount.

Home insurance companies provide special discounts to Cleveland homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Senior homeowners in Cleveland can avail of discounts of up to $115 on homeowners insurance. Newly constructed Cleveland homes receive discounts of $213 on home insurance rates.

Home insurance companies provide discounts to homeowners depending on their claims history. Home insurance rates in Cleveland can increase by up to $98 based on the type and number of claims. Cleveland homeowners with a claims-free history can avail of discounts of up to $98 on home insurance.

The property crime rate in Cleveland is 44.32 per 1,000 residents. Specifically, the burglary rate in Cleveland is 12.14 per 1,000 residents, with a total of 4,659 reported incidents. Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Cleveland homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Cleveland homes with deadbolts and fire extinguishers can avail of discounts of $98 and $66, respectively, on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $74 and $115, respectively, on homeowners insurance.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Cleveland homeowners can earn considerable amounts of discounts if all the household members are non-smokers. Households without pets and swimming pools can also avail of discounts on home insurance.